To benefit from this offer, please use the voucher included in the Card Welcome Pack

2 Free rides with Uber

To benefit from this offer, download the Uber application and use the promo code “quiquber”. This offer is valid for new Uber users only

Free Premium Subscription for 2 months with Anghami

To benefit from this offer, use the voucher included in the Card Welcome Pack

LibanPost Exclusive Benefits

1 Year Free Car Alert to notify you when the mecanique is due or the car insurance should be renewed

Exclusive merchant discounts from Visa

Simply download the “Visa Explore” mobile application and check all the offers

You can use your Card at thousands of locations where Visa cards are accepted. Simply present your Card at the time of payment and sign the receipt.

Annual Fee

$10

Card Reload Fee

N/A

Monthly SMS Fee

$1

Replacement Card Fee

$5

Know your balance

It's a good idea to know your balance before you shop. You can easily check your QuiQ Prepaid Card balance by calling the phone number listed on the back of your Card +961-1-734 828 or check your SMS notifications after each transaction

Two forms of payment

You may be able to purchase an item of greater value than your QuiQ Prepaid Card balance by coupling your Card with a second payment method. Always check with the cashier first as some merchants do not accept "split" transactions

Dynamic Currency Conversion (DCC)

You are always encouraged to use your QuiQ Prepaid Card in the local currency of the country you are visiting to avoid DCC and as such avoid additional charges or fees

Hold and Preauthorization

Restaurants and other service-related merchants expecting a tip may place a hold on your QuiQ Prepaid Card for an amount greater than your purchase. These holds may last up to 7 days, or until your total transaction amount is finalized

Learn more

Learn more about using your QuiQ Prepaid Card by viewing the Cardholder Agreement or contact us at +961-1-734 828

Available in USD & EURO

Used Locally & Internationally on ATMs and POS machines

Reloadable

SMS alert after each transaction

24/7 Customer Support

Maximum card balance: $3,000 or €3,000

Maximum load amount per transaction: $1,000 or €1,000

Minimum load amount: $25 or €25

Card Validity: 1 year

1 Free Loto Grid (played online)

To benefit from this offer, please use the voucher included in the Card Welcome Pack

2 Free rides with Uber

To benefit from this offer, download the Uber application and use the promo code “quiquber”. This offer is valid for new Uber users only

Free Premium Subscription for 2 months with Anghami

To benefit from this offer, use the voucher included in the Card Welcome Pack

LibanPost Exclusive Benefits

1 Year Free Car Alert to notify you when the mecanique is due or the car insurance should be renewed

Exclusive merchant discounts from Visa

Simply download the “Visa Explore” mobile application and check all the offers

You can use your Card at thousands of locations where Visa cards are accepted. Simply present your Card at the time of payment and sign the receipt

ATM: Insert your Card in the ATM and enter the PIN Code provided to you with the Card

USD

EURO

Annual Fee

$10

€10

Card Reload Fee

$2

€2

Monthly SMS Fee

$1

€1

Replacement Card Fee

$5

€5

Know your balance

It's a good idea to know your balance before you shop. You can easily check your QuiQ Prepaid Card balance by calling the phone number listed on the back of your Card +961-1-734 828 or check your SMS notifications after each transaction

Two forms of payment

You may be able to purchase an item of greater value than your QuiQ Prepaid Card balance by coupling your Card with a second payment method. Always check with the cashier first as some merchants do not accept "split" transactions

Dynamic Currency Conversion (DCC)

You are always encouraged to use your QuiQ Prepaid Card in the local currency of the country you are visiting to avoid DCC and as such avoid additional charges or fees

Hold and Preauthorization

Restaurants and other service-related merchants expecting a tip may place a hold on your QuiQ Prepaid Card for an amount greater than your purchase. These holds may last up to 7 days, or until your total transaction amount is finalized

Learn more

Learn more about using your QuiQ Prepaid Card by viewing the Cardholder Agreement or contact us at +961-1-734 828

Available in USD

Used for online transactions and mail order/telephone order transactions

Reloadable

SMS alert after each transaction

24/7 Customer Support

Maximum card balance: $1,000

Maximum load amount per transaction: $500

Minimum load amount: $25

Card Validity: 1 year

1 Free Loto Grid (played online)

To benefit from this offer, please use the voucher included in the Card Welcome Pack

2 Free rides with Uber

To benefit from this offer, download the Uber application and use the promo code “quiquber”. This offer is valid for new Uber users only

Free Premium Subscription for 2 months with Anghami

To benefit from this offer, use the voucher included in the Card Welcome Pack

Online shopping: Simply enter your Card Number, Expiry Date printed on your card and the CVV Number printed on the back side of your Card and pay

Mail and Telephone order: When booking your Hotel, Ticket or Car rental over the phone or by email, simply provide your Card Number, Expiry Date printed on your card and CVV Number printed on the back side of your Card to a trusted merchant

Annual Fee

$5

Card Reload Fee

$2

Monthly SMS Fee

$1

Replacement Card Fee

$5

Know your balance

It's a good idea to know your balance before you shop. You can easily check your QuiQ Prepaid Card balance by calling the phone number listed on the back of your Card +961-1-734 828 or check your SMS notifications after each transaction

Dynamic Currency Conversion (DCC)

You are always encouraged to use your QuiQ Prepaid Card in the local currency of the website you are purchasing from to avoid DCC and as such avoid additional charges or fees

Hold and Preauthorization

Hotels / Car rentals and other service-related merchants may place a hold on your QuiQ Prepaid Card for an amount equal or greater than your purchase. These holds may last up to 7 days, or until your total transaction amount is finalized

Online Checkout

At checkout, simply enter your Card information in the credit card fields. Your personal information is not associated with your QuiQ Internet Card. Use your mailing address when shopping online. This will ensure if a problem arises you can be contacted by the merchant

Choose your websites

Shopping online is convenient and to make it safe use sites that are well known and have a good reputation.

Learn more

Learn more about using your QuiQ Prepaid Card by viewing the Cardholder Agreement or contact us at +961-1-734 828

Hello, I’m Samer, and I am 35 years old. I am a football fanatic. Every year on my birthday, I receive the new football jersey of my favorite team. I now have a whole collection. But this year, my friends thought of something different and more convenient! They offered me the QuiQ Gift Card. What a great idea! I can now buy a new pair of football shoes and a new sports bag.

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QUIQ GLOBAL CARD

My name is Maya, I’m 40 years old and I’m a fashion consultant. Of course, I am a shopaholic! I am passionate about my work and shopping. Add to that my joy of traveling and discovering new cities. My favorite cities are Milano and Paris. When I’m shopping and traveling, I always use my QuiQ Global Card, be it in dollars or euros, it is the easiest, most convenient prepaid card to shop as you go. New York, here I come!

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QUIQ INTERNET CARD

Tarek the techie, that’s what my neighborhood friends call me. I’m 20 years old and yes I’m a computer geek, addictive online shopper, blogger and social tweeter. In other words, internet is my world, connected is my status and QuiQ Internet Card is my key to the safest and fastest way to shop online. Trust me on that, I know the web!

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COMPARE PREPAID CARDS

Know more about each card.

Card Type

QuiQ Internet

QuiQ Global

QuiQ Gift

Name printed on the card

Yes

Yes

Yes

Local use at merchants

Online & Mail Order transactions only

Yes

Yes

International use at merchants

Online & Mail Order transactions only

Yes

Yes

Cash Withdrawal

No

Yes

No

Internet Shopping

Yes

Yes

Yes

Reloadable Card

Yes

Yes

No

QuiQ Benefits

2 Free Uber Rides

Yes

Yes

Yes

2 month Anghami Free membership

Yes

Yes

Yes

Free Loto Grid

Yes

Yes

Yes

Libanpost Benefits: Free Car Alert

No

Yes

Yes

Exclusive Discounts From Visa

No

Yes

Yes

OUR PARTNERS

A brief of our partners

La Libanaise des Jeux sal (LLDJ) is the official and exclusive operator of lottery games in Lebanon. The company’s product portfolio includes draw games such as the infamous LOTO, a wide variety of scratch games, and the supply of electronic mobile recharge vouchers through its POS machines. the company continues to innovate by adding an online gaming platform that enables people to play through the company’s website as well as by introducing a mobile application with an SMS Gaming Service “LOTO SMS 1020”, in addition to enabling candidates to receive draw results by SMS.

To benefit from this offer, download the Uber application and use the promo code “quiquber”. This offer is valid for new Uber users only.

Uber, founded in 2009 in San Francisco, is today one of the fastest growing technology companies in the world, seamlessly connecting riders to private drivers through its apps. The app can be downloaded on the Apple App Store (iPhone), Google Play Store (Android) and Blackberry App World (BB7 only).

In over 300+ cities around the world, Uber launched in Beirut in July 2014 offering Lebanese residents a safe, seamless and convenient alternative to move around town with very affordable and competitive prices.

To benefit from this offer, please use the voucher included in the Card Welcome Pack.

LOTO, La Libanaise des Jeux sal (LLDJ) is the official and exclusive operator of lottery games in Lebanon. The company’s product portfolio includes draw games such as the infamous LOTO, a wide variety of scratch games, and the supply of electronic mobile recharge vouchers through its POS machines. the company continues to innovate by adding an online gaming platform that enables people to play through the company’s website as well as by introducing a mobile application with an SMS Gaming Service “LOTO SMS 1020”, in addition to enabling candidates to receive draw results by SMS.

What billing address do I use for online and mail/phone orders transactions?

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Why is the merchant charging me for more than what I signed on my receipt?

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If I lose my Card or my Card gets stolen how do I get a refund or a replacement Card?



How do I dispute a QuiQ Card transaction?



Can I change my PIN number?



Can I close my QuiQ Card at any time?



What happens if I close my QuiQ Card without claiming my remaining balance?



What is the validity of the QuiQ Card?

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How to safely use my QuiQ Internet Card ?

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How do I renew my QuiQ Card?

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What happens if I don’t use my QuiQ Card?

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What are the fees associated with the Card?

What is QuiQ?

QuiQ is a new family of Visa Prepaid Cards issued by Saradar Bank sal and targeted to all segments of the population.

QuiQ is a new family of Visa Prepaid Cards issued by Saradar Bank sal and targeted to all segments of the population.

It is a payment card that allows you to load funds into it, and then use the money you have loaded at service establishments accepting payment cards. You can’t spend more money than you have already loaded onto your prepaid card but in many cases you will have the option to re-load the card and re-use it again.

There are 3 different cards:

QuiQ Global Card is a multi-purpose card issued in US Dollar or Euro allowing you to load it and use it locally and internationally whether for travel, shopping, leisure or any other occasion

QuiQ Internet Card is used for online shopping and Mail/Telephone orders, and is issued in US Dollar

QuiQ Gift card is the perfect gift to all occasions (Birthday, Wedding, Christmas, Valentine, Mother’s Day etc…) and is issued in US Dollar

QuiQ is available at all Saradar Bank branches. To know our addresses and contacts, please visit www.quiqonline.com

You must contact the 24/7 call center number on +961 1 734 828 and activate your card. Sign the back of the Card immediately where indicated. We recommend that you write down the Card number and customer service number on a separate piece of paper in case the Card is lost or stolen.

Simply present your Card at the time of payment and sign the receipt. As you use the Card, the balance will be reduced by the full amount of each purchase including taxes, charges and other fees, if any. The Card can be used to pay the full amount of the purchase and applicable charges (if any), as long as the balance remaining on the Card is sufficient. For reloadable cards, if you want to make a purchase for an amount greater than the remaining balance, you must re-load your Card first and then re-use it.

No, your card does not require a PIN code unless you are using it to withdraw cash from the ATM (applicable only for the QuiQ global). Your PIN code will be delivered to you along with the QuiQ Card welcome package

No. The QuiQ Global and QuiQ Internet are reloadable while the QuiQ Gift is non reloadable.

Re-loading your card is very easy. Simply visit any Saradar Bank, present your card with a supporting ID document and pay the amount you wish to re-load. Your card balance will be refreshed within 24 hours.

Depending on your QuiQ Card type you may use your card in Lebanon and abroad; please refer to the table fees in FAQs

Track your card activities and check your available balance through:

Call Center on +961 1 734 828

SMS after each transaction

Your personal information is not associated with the Card; therefore, you should use your mailing address. This will ensure that if a problem arises you can be contacted by the merchant.

Some purchases require a preauthorization. This is where the merchant sends in a transaction for a higher amount than the purchase. For example, a $40 purchase at a restaurant is typically sent by the restaurant as $48 as they want to allow for a tip. We are required to approve and hold funds based on the $48, until the merchant finalizes the transaction which can take up to 10 days.

If you believe that your Card has been lost or stolen, you need to notify us IMMEDIATELY. You can do so by calling us at +961 1 734 828. You will be asked to provide us with the Card number (if available) and other identifying information. We cannot provide a replacement Card unless you give us all the requested identifying information. If our records show that a balance still remains on the Card, we will cancel the Card and, upon your request, issue a replacement Card to you, for an amount equal to the remaining balance less any applicable fee.

If there are any disputes in regard to purchases you make using the Card, you agree to settle such disputes with the merchant from whom the purchase was made.

Yes. You can change the PIN code at any Saradar Bank ATM.

Yes. But if you did not use the money on your card by the expiry date and you do not want to renew it, you can claim the full remaining balance after deducting a closure fee as shown in the table on FAQs

If you do not claim the remaining balance within 60 days after the expiry date of the card, then the remaining balance may be classified as unclaimed property.

QuiQ cards are valid for 1 year. The expiry date is printed on the front of the Card.

The QuiQ Prepaid Cards are issued by Saradar Bank s.a.l. pursuant to license by Visa Int. Visa and the Visa Brand Mark are registered trademarks of Visa International. QuiQ and the QuiQ brand mark are registered trademarks of Saradar Bank s.a.l.

TERM OF USE OF PREPAID CARDS

Legal Information & Notices.

QuiQ Prepaid Card Terms and Conditions

Definitions:

The following words used in this agreement have the meanings given below:

Bank refers to Saradar Bank

Applicant refers to the person (any individual of at least 18 years old or any corporate) that filled and signed the application.

Cardholder refers to a) giver: the person who has established the Card account;

b) Recipient: the person receiving the Card; and c) the person using the Card.

Supplier refers to any provider of services or goods, accepting a payment by virtue of the Card through POS.

Agent refers to the authorized third party designated by the Bank to sell and re-load the Card on its behalf.

ATM refers to the Automatic Teller Machine which accepts the Card and that can be operated by the Bank or any third party in the world.

POS refers to machine that accepts the Card.

Card refers to Visa and/or MasterCard cards serving as the instrument of payments.

PIN refers to the Personal Identification Number, issued to or specified by the Cardholder.

Funds refers to the amount of money loaded onto the card from the Bank or its agent less any amount previously spent and any applicable fees, charges, conversion fees, and other expenses incurred in connection with the use or possession of the Card.

Account refers to the account maintained by the Bank in relation to Card transactions incurred from usage of the Card.

Transaction refers to any transaction whereby cash is deposited or withdrawn or any transaction whereby goods or services are obtained by the use of the Card.

Limit refers to the maximum amount of funds stored on the Card.

Agreement refers to this Prepaid Cards Terms and Conditions.

Service refers to the use of Prepaid Card under the scope and according to the present Terms and conditions.

Website refers to the Website of the Card: www.quiqonline.com

Mobile Application refers to the application that allows the cardholder to check the transactions made through the

Card, check its balance, and perform any other services that are made available by the Bank .

Preamble:

These Terms and Conditions apply to the Card issued by the Bank having for purpose the use of the present service.

The Cardholder agrees to be bound by these terms and conditions, if he/she does any of the following: a) purchase the Card; b) load the Card; c) use the Card; or d) authorize any other person to use the Card. Please read this agreement carefully.

Article 1: Introduction

The above preamble and definitions form an integral part of the present agreement and are complimentary to it.

Article 2: The Card

2.1 The Card is neither a credit card nor debit card and is not in any way connected to the Cardholder Bank account. Hence, no interest, compensation or any benefit/bonus is payable by the Bank or any other person to the Cardholder in connection with the funds available in the Card, nor do it entitles the Cardholder to any Overdraft/Credit facility.

2.2 The Card enables the Cardholder to make payments at suppliers through POS, obtain the funds in cash by withdrawal from ATMs where applicable and/or ascertain information as to the balance on the Card. It may be used also for internet, mail, and telephone orders where applicable. The Card cannot be used for illegal activity.

Accordingly, The Bank may, at its sole and absolute discretion, refuse issuance of a Card or cancel an issued Card, if satisfactory know-your-customer and money laundering guidelines are not met or if it has reason or suspicion to believe that the Cardholder has violated or intends to violate any use of the Card. The Card can be used based on the features set by the Bank and listed under Article 17. A 2% commission will be applied on credit vouchers received from certain websites when applicable.

Article 3: Loading and Reloading the Card

3.1 Prior to the issuance of the Card and its associated PIN, the Cardholder will be required to load the funds to enable its use.

3.2 Upon exhaustion of the funds loaded on the Card, the Cardholder can reload funds onto the Cards, except for the QuiQ Gift, at any time using cash, or a funding account designated for that purpose. Transfer from a funding account, which is a designated account by the Cardholder and approved by the Bank, will make the Card available for use immediately. Other funding methods may be introduced by the Bank and the cardholder agrees from now to abide by the terms of use set by the Bank in that respect. Reloading can be also made at any Agent. The minimum value that may be loaded on the Cards varies depending on the card type as listed under Article 17.

Article 4: Use of the Card

4.1 The amount of each purchase made through the use of the Card or withdrawal of the funds from the ATM will be debited immediately from the Funds of the Cardholder. The Cardholder authorizes the Bank irrevocably to pay all Card transactions by debiting the account. In the event of insufficient funds honoring the requested transaction; the transaction will not be honored and the Bank reserves the right to collect any monies for value of any purchase done by the Cardholder.

4.2 Some transactions authorized by the Cardholder may be charged to the Card even though a negative balance may be created. The Cardholder remains in all cases liable towards the Bank for any negative balance on the Card and agrees to pay the Bank overdrawn amount. The Bank will have the right to deduct the overdraft amount from any current or future funds on this Card or any other Card the Cardholder activates or maintains with the Bank.

4.3 The Cardholder is responsible for all authorized and/or unauthorized transactions initiated by use of the Card even when the Card is not used by him/her personally. The non-signature by the Cardholder of the transaction sales slip does not release him/her in any case from his/her responsibility for the payment of the amount appearing on the slip. Should any problem arise from purchase made through the Card or should a dispute arise with the supplier involved, the Cardholder must deal directly with the supplier’s own policy on refunds and returns, when entitled to refund.

4.4 The Cardholder cannot stop a transaction or payment that he/she authorizes. The Bank is not responsible and does not in any way always guarantee full time functionality and availability of any ATM or POS not owned and controlled by it nor takes responsibility for any interruption or interception or loss of personal information. The Bank will not be held liable for any loss, direct or indirect, that may be suffered by the Cardholder resulting from such.

4.5 The personalized Card validity is as per the expiry date, as it appears on the front of the card. It is automatically renewed at the expiration date.

Article 5: Records and Notifications

5.1 Upon performing a transaction, the Cardholder shall ensure that he/she obtains and verifies any receipts received. The Cardholder may also get information regarding the balance available funds by calling the Bank’s call center on the following number +961-1-734828 or by checking the mobile application or online through the Website.

5.2. In compliance with BDL Basic Circular number 63 and its amendments, the Bank shall automatically send an SMS Alert regarding each executed transaction on the mobile number(s) specifically indicated on the Application Form, unless the Cardholder notifies the Bank in writing its will not to benefit from the SMS Alert , assuming all the responsibilities arising thereof.

5.3 In case of complaints and errors, the Cardholder should provide sufficient and correct details in writing to the Bank in order to enable the latter to investigate and to respond.

Article 6: Loss, Theft or Unauthorized Use of the Card and/or Pin.

6.1 The Cardholder shall immediately inform the Bank of theft or loss of his/her Card. Any verbal notification must be confirmed in writing against acknowledgement of receipt, within a period of 10 days as of the date of loss or theft of the Card. Upon notifying the Bank, the latter will attempt to block the conduct of further transactions requested. After blocking of the Card and the Pin, the Card cannot be used by the Cardholder again even when he/she finds the same and no refund shall be allowed on the Card.

6.2 The Cardholder bears all losses resulting from the fraudulent utilization of the Card and/ or PIN i.e. Theft – loss, etc..; until the Bank receives a written notification of such. If he/she fails to notify the Bank immediately after learning loss or theft, he/she may be liable for all the money in the Card.

6.3 Should the lost or stolen Card have remaining balance of money of more than $5 (or C/V), the Cardholder can order a replacement Card with the remaining balance minus a replacement fee as described hereinafter in article 17. If not, the Cardholder shall pay the applicable fees in order to obtain a replacement Card.

Article 7: Limitation of the Bank’s liability

The Bank shall be under no liability whatsoever to the Cardholder in respect of all actions, claims, demands, proceedings, losses, damages, costs, charges and expenses whatsoever arising directly or indirectly out of :

any use of the Card

the refusal by any person or supplier in honoring or accepting the Card

any ATM or POS that malfunctions or is otherwise out of order

misuse or fraudulent use of the Card by any person including the Cardholder

handing over of the Card by the Cardholder to a person other than the designated persons of the Bank

termination right of the Bank

The Bank will not be involved in any disagreement occurring between the Cardholder and the supplier, or between the Cardholder and the companies or establishments, supplier of advantages or facilities by the utilization of the Card. The occurrence of such disagreement cannot in any case exempt the Cardholder from settling the payments he/she made in using his/her card. The Bank will not be involved in any dispute between the Cardholder and the services provider.

Article 8: Fees and Services charges

8.1 The Cardholder hereby agrees and acknowledges that all applicable costs, charges and fees in connection with the issue or use of the Card can be deducted automatically from his/her funds. Moreover, if the Cardholder does not use the Card during a period of three (3) months, the Bank has the right to automatically charge his/her account with a dormancy fee in accordance with the charges and fees described hereinafter in article 17.

8.2 The costs, charges and fees described in Article 17 will be deducted from the Card funds. The amounts of payments effected in another currency than US Dollars shall be converted into US Dollars at an exchange rate determined by the Bank.

8.3 The Cardholder herein agrees to pay and/or authorizes the Bank to debit his/her account with the fees and any charges on the Card as set out hereinafter in article 17. In the event of insufficiency of funds to deduct such costs, charges and fees, the Bank reserves the right to recover same directly from the Cardholder and/or from any accounts maintained by the latter with the Bank.

Article 9: Closing the Card account

9.1 This agreement will continue indefinitely unless terminated by either party. The Cardholder has a right to cancel his/her Prepaid Card at any time after the signature of the present agreement.

9.2 Should the Cardholder do not want to renew the Card after it expires and / or want to close it, he/she can claim the full remaining balance after deducting a closing account fee as described in paragraph 8.1 above . If the latter does not reclaim the balance within sixty (60) days after the expiry date of the Card, then the remaining balance may be classified as an unclaimed property. All claims will be processed only after the verification of the request and of the requester’s identity. In such case, the Card cannot be used for any transaction and will be placed in a frozen status as of the date the Cardholder notifies the Bank his/her intention to close it.

Article 10: Right to terminate/suspend/ block/decline the usage of the Card

The Bank reserves the right to terminate/suspend/ block/decline the use of the Card/ access to the funds, temporarily or permanently upon the occurrence of any of the following events:

failure to adhere to or to comply with terms and conditions herein

event of default under any agreement or commitment entered into with the Bank

the Cardholder becoming subject to any bankruptcy, insolvency proceedings of a similar nature

Article 11: Security of the Card and the PIN

The Cardholder undertakes to maintain the confidentiality, safety, security of the Card and the PIN. If the latter fails to observe such, he/she will bear any losses suffered as a result of unauthorized use of the Card. Therefore, the Cardholder should not disclose the Pin to anyone, and should not delay in notifying the Bank misuse, loss or theft of the Card and/or PIN.

Article 12: Disputes, Returns and Funds

12.1 The Cardholder agrees to settle all disputes about purchases made using the Card with supplier who honored such, and agrees to accept credits to the Card account in lieu of cash, should he/she be entitled to a refund.

12.2 No claim by the Cardholder against the supplier and/or a third party may be the subject of a claim against the Bank. The Cardholder may not assign or otherwise dispose of any rights against the Bank.

Article 13: Personal Information Access

13.1 By purchasing the Card, the Cardholder consents and authorizes the Bank to share any personal information on him/her with its branches and appointed agents involved in issuing, collecting, distributing and facilitating use of the Card.

13.2 The Cardholder undertakes to immediately notify the Bank of any changes to his/her mailing addresses or contact details.

Article 14: Amendments

The Banks reserves the right to change at any time these terms and conditions, without limitation to, changes which affect existing balances, charges or rates and methods of calculation. The Bank shall notify the Cardholder such amendments in a period not exceeding one (1) month at the adopted domicile. The latter is free to accept these terms and conditions and agrees to adopt them or shall refuse such and asks for the card closure.

Article 15: Jurisdiction and Applicable Law

These Terms and Conditions shall be governed by the Laws of Lebanon. Any disputes arising out of or in connection with these Terms and Conditions shall be submitted exclusively to the Lebanese Courts specifically Beirut courts for settlement.

Article 16: Domicile and Address

For the purposes of execution of the present Terms and Conditions, the Cardholder declares that he/she elected as domicile at the address stated on the Prepaid Card application form.

Every notice served upon him/her at the elected or real domicile is deemed valid as from the date of its transmission confirmation, even if the notice was not effectively received for any reason whatsoever.